The Bank of America Customized Cash Rewards and Citi Custom Cash are closely matched. Bank of America Customized Cash Rewards wins on 1 categories ($200 signup bonus); Citi Custom Cash wins on 1 ($2 signup bonus). The better pick depends on your spending patterns.
Bank of America Customized Cash Rewards vs Citi Custom Cash
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Choice Category 3x
- Grocery Stores 2x
- All Other Purchases 1x
- Top Eligible Category 5x
- All Other Purchases 1x
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Bank of America Customized Cash Rewards and Citi Custom Cash are closely matched. Bank of America Customized Cash Rewards wins on 1 categories ($200 signup bonus); Citi Custom Cash wins on 1 ($2 signup bonus). The better pick depends on your spending patterns. On raw upside, Bank of America Customized Cash Rewards tops out at 3x versus 5x for Citi Custom Cash. Current signup bonus values are roughly $200 for Bank of America Customized Cash Rewards and $2 for Citi Custom Cash. Updated May 29, 2026. Source: https://cardcurator.ai/compare/bank-of-america-customized-cash-rewards-vs-citi-custom-cash
- Bank of America Customized Cash Rewards wins 1 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bank of America Customized Cash Rewards reaches 3x; Citi Custom Cash reaches 5x.
- Annual fee: Bank of America Customized Cash Rewards is no annual fee; Citi Custom Cash is no annual fee.
- Current public bonus values are approximately $200 and $2.
Common Questions: Bank of America Customized Cash Rewards vs Citi Custom Cash
Is the Bank of America Customized Cash Rewards or Citi Custom Cash better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Bank of America Customized Cash Rewards currently offers $200 signup bonus (spend $1,000 in 3 months). Citi Custom Cash offers $2 signup bonus (spend $1,500 in 6 months). Bank of America Customized Cash Rewards has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Customized Cash Rewards and the Citi Custom Cash?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Customized Cash Rewards is from Bank of America and Citi Custom Cash is from Citi, so they're governed by separate bank policies.